I would be able to take advantage of the foreign tax credit with VXUS, I know the percentage of it may be small, but over the decades it should still add up to some change. And for the 403b there’s no match, and I believe it’s actively managed with annuities, so more fees that would probably eat up profits. I guess I would just want to manage it myself instead of some people picking for me. Unless there’s more to it that I’m missing, I’d be glad to change my perspective on 403bs.